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Plan your mutual fund investments with our free Systematic Investment Plan calculator. Get instant projections with detailed year-wise breakup.
Invested Amount
₹6,00,00051.6% of total
Estimated Returns
₹5,61,69548.4% of total
Total Wealth
₹11,61,695Total Wealth
₹11,61,695
₹6,00,000
Invested
₹5,61,695
Returns
| Year | Investment | Returns | Corpus |
|---|---|---|---|
| Year 1BEST | ₹60,000 | ₹4,047 | ₹64,047 |
| Year 2 | ₹1,80,000 | -₹43,784 | ₹1,36,216 |
| Year 3 | ₹3,60,000 | -₹1,42,462 | ₹2,17,538 |
| Year 4 | ₹6,00,000 | -₹2,90,826 | ₹3,09,174 |
| Year 5 | ₹9,00,000 | -₹4,87,568 | ₹4,12,432 |
| Year 6 | ₹12,60,000 | -₹7,31,215 | ₹5,28,785 |
| Year 7 | ₹16,80,000 | -₹10,20,105 | ₹6,59,895 |
| Year 8 | ₹21,60,000 | -₹13,52,367 | ₹8,07,633 |
| Year 9 | ₹27,00,000 | -₹17,25,892 | ₹9,74,108 |
| Year 10 | ₹33,00,000 | -₹21,38,305 | ₹11,61,695 |
| Total | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
A Systematic Investment Plan (SIP) is a disciplined approach to investing in mutual funds. You invest a fixed amount at regular intervals (monthly or quarterly), which buys units of a mutual fund scheme at the prevailing Net Asset Value (NAV).
If you invest ₹5,000 per month for 10 years at an expected return of 12% per annum, your total investment of ₹6,00,000 would grow to approximately ₹11,61,695, giving you estimated returns of ₹5,61,695.
A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in mutual funds. It helps investors build wealth over time through the power of compounding and rupee cost averaging.
SIP returns are calculated using the future value of annuity formula: FV = P × [((1 + r)^n - 1) / r] × (1 + r), where P is the monthly investment, r is the monthly rate of return, and n is the number of months.
Historically, equity mutual funds have delivered 12-15% annual returns over the long term. Debt funds typically yield 6-9%. Your actual returns may vary based on market conditions and fund performance.
Yes, you can start a SIP with as little as ₹500 per month. Many mutual funds offer low minimum investment amounts to make investing accessible to everyone.
Longer SIP durations (7+ years) help maximize the power of compounding and reduce market timing risk. Most financial experts recommend a minimum investment horizon of 5-7 years for equity SIPs.